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Fortunately, if you have an FHA loan, you may qualify for MIP cancellation, depending on when you closed on the mortgage or how much you put down. Use the steps below to find out what options are available for your situation.

To remove your FHA loan’s mortgage insurance premiums, you’ll need to qualify under specific requirements.

If your mortgage originated before June 3, 2013, you’d need to meet the following conditions:

If your loan was finalized on or after June 3, 2013, you’d need to have completed the following:

Unfortunately, if you don’t meet either set of the above conditions, you won’t be able to cancel your MIP while keeping your FHA loan intact. However, if you’re determined to get rid of your mortgage insurance, you can apply to refinance your FHA loan into a conventional mortgage, but you’ll have to meet specific requirements for this option.

To qualify for a refinance with most lenders, you’ll need to have:

Of course, the above conditions may vary depending on the lender or the loan type you use. To make sure you qualify for MIP cancellation or a refinance, you should talk to a Home Loan Expert ahead of time.

Before you decide whether to refinance your FHA loan or cancel your MIP, you should consider the benefits of each. For some borrowers, a refinance may be the most beneficial option, even if they qualify for cancellation.

Advantages Of FHA Mortgage Insurance Removal

Removing your MIP will help lower your monthly mortgage payment since you’ll no longer need to pay for the premium. This reduction could give you the ability to put more money towards your mortgage, hopefully allowing you to pay it off sooner.

The earlier you pay off your mortgage, the less money you have to put towards interest. Even if you only pay an extra $50 each month, you can save thousands of dollars in the long run.

For example, if you take out an FHA loan for $200,000 with an interest rate of 4% and have a $954.83 monthly mortgage payment, it’d normally take about 27 years to pay it off.  With an extra $50 each month saved from canceling your MIP, you could make payments of $1,004.83, which would reduce the time it takes to pay off the loan by around 2 years and 8 months - and you could save up to $14,413.27 in interest.

Advantages Of A Refinance Into A Conventional Loan

A refinance can be beneficial to an FHA borrower for several reasons. Not only does a new conventional mortgage remove your MIP payments, but you could also qualify for a lower interest rate or longer loan term if your credit score is high enough. In other words, this option could significantly reduce the amount of your monthly payment.

But keep in mind that your credit score could limit your ability to secure a better mortgage rate. If you currently have a lower score, you may want to wait to refinance until you’ve built up your credit or look for refinance options specifically designed for borrowers with lower credit scores.

You’ll need to notify your lender that you want to remove your MIP if it hasn’t already been canceled or if you’ve decided to refinance your mortgage loan.

FHA Mortgage Insurance Cancellation

If your mortgage started between January 2001 and June 3, 2013, your MIP should automatically cancel once you reach 22% in home equity. For borrowers who closed on or after June 3, 2013, your MIP should end after 11 years if you made a down payment of more than 10%. If you didn’t, you’ll have to pay MIP for the life of the loan. If you do cancel your MIP, you can check your statements to ensure you’re no longer paying monthly mortgage insurance premiums.

If you see MIP payments on your mortgage balance statement, even though you’re eligible for cancellation, you can reach out to your lender to request removal. They’ll double-check that you’re eligible before canceling your MIP coverage.

FHA Loan Refinance

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